2022 Burial Insurance with Heart Bypass Surgery

Getting burial insurance with heart bypass surgery is easier than most people think. Whether you have had heart bypass surgery, or suffer from other health complications, we can still be able to purchase the burial and funeral life insurance coverage that you deserve.

The time that passed since your last heart bypass surgery will determine what plans you will qualify for, and your rates.

In this article, we will explain everything you need to know about burial insurance with heart bypass surgery.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF HEART BYPASS SURGERY?

There are different types of heart bypass surgery that the insurance companies will want to know about:

  • Single bypass
  • Double bypass
  • Triple bypass
  • Quadruple bypass
  • Quintuple bypass

If you have had any type of heart bypass surgery, the time that passed after your surgery is the most critical issue with most burial insurance companies. It is the deciding factor that will determine what plan you will qualify for and your premium.


IF YOUR HEART BYPASS SURGERY WAS OVER 24 MONTHS AGO

If your heart bypass surgery event occurred more than two years ago, you will likely qualify for full, first-day coverage.

Almost every single funeral insurance company has a two-year look back on heart bypass surgery. After that time period, they will often approve you for their lowest rates and immediate protection.

This plan does not have a waiting period, and your beneficiary will receive the full death benefit whenever you pass away.

Best Option: Level death benefit plan with first-day coverage


IF YOUR HEART BYPASS SURGERY WAS OVER 1 YEAR AGO

If your heart bypass surgery was more than a year ago but less than two years, you may qualify for a first-day benefit plan. Some insurance carriers only look back one year on heart bypass surgery. We have access to these companies.

You will be covered from the first day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


IF YOUR HEART BYPASS SURGERY WAS WITHIN THE LAST 12 MONTHS

If you have had heart bypass surgery within the previous 12 months, your best life insurance option is a guaranteed issue burial insurance.

Guaranteed issue burial insurance can be issued regardless of your health condition. If you pass away from natural causes during the first two years, the insurance company will not pay the full death benefit, instead, they will refund the premiums you paid plus 10% interest.

Best Option: Guaranteed issue burial insurance


WHY DO YOU NEED TO TAKE A GUARANTEED ISSUE POLICY IF YOUR HEART BYPASS IS VERY RECENT

When you have had a very recent heart bypass surgery, and guaranteed issue life insurance is the only option, most people ask “why do I need to get a plan like that doesn’t cover from the first day?”

Here’s why we recommend guaranteed issue life insurance for those who have a very recent heart bypass surgery:

  1. You could be a complication from your surgery.
  2. You could have another heart attack or heart health crisis.
  3. You could develop other high-risk conditions like diabetes or high blood pressure.
  4. Your doctor may prescribe a new medication that is flagged by the life insurance company.

All adverse future health events may prevent you from qualifying for affordable burial insurance with first-day coverage.

If you wait a year to get better options, any negative changes to your health may eliminate you from qualifying for a level death benefit plan with first-day coverage. It also means you still have to wait two years before your coverage begins.

You’ll never know what will happen tomorrow so you shouldn’t wait any longer to get the coverage you need.

Bottom line: The sooner you work on the waiting period the sooner you will get full coverage.


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE HEART BYPASS SURGERY, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance with heart bypass surgery.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU HAVE HEART BYPASS SURGERY

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.


HEALTH QUESTIONS:

Every burial insurance company with underwriting will ask about heart surgery in their health questionnaire.

Here are some common questions they may ask:

  • Have you had any type of heart surgery within the last 12 months?
  • Have you had any type of heart surgery within the last 2 years?

The type of surgery you have is generally a non-issue to burial insurance companies. They are more concerned about when you had your heart bypass surgery.

When you had the surgery will dictate if they will charge more money and if you need a waiting period.

The more time that passed since your surgery, the more likely your application for the best plan will be approved.


HOW MUCH INSURANCE DO I NEED IF I HAVE HEART BYPASS SURGERY?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL
Non-declinable basic services$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Hearse$325
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Vault$1,572
Median Cost of a Funeral With Viewing and Burial$9,420
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION
Non-declinable basic services fee$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Cremation fee (if firm uses a third-party crematory)$368
Cremation Casket$1,310
Urn$295
Median Cost of a Funeral with Viewing and Cremation$6,970
Rental Casket$995
Alternate Cremation Container$150


HOW SHOULD I PAY MY PREMIUMS?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.


HEART BYPASS SURGERY AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU HAVE HEART BYPASS SURGERY

We will ask you several questions about your bypass surgery for your application.

It is crucial that you provide us with as much information as possible. The information you provide will help us understand your current health situation so that we can give you an accurate quote.

Here’s a list of questions that our agent will ask you when you apply for life insurance after having heart bypass surgery:

  • When did you have your bypass surgery?
  • How old were you when your heart bypass surgery was completed?
  • How many blocked arteries did you have treated?
  • Why did you need to have bypass surgery?
  • Do you have other risk factors for heart disease such as smoking, high blood pressure, or high cholesterol?
  • Did you experience any complications like internal bleeding, cardiac tamponade, or a stroke after the surgery?
  • What medications are you taking after the bypass surgery?
  • Are you a smoker? How many cigarettes do you smoke per day?

It is important to be completely honest when you answer these questions. This process allows us to provide you with an accurate quote and ensures that the company we recommend is the best fit for you (with the best pricing).

The more information you provide, the better your chance of being matched to the right company.


WHAT IF I HAVE BEEN DECLINED FOR LIFE INSURANCE?

Most people that come to us wanting to get life insurance have been declined at least once. The truth is they have been shopping on their own (or with an inexperienced agent), and that’s why they are declined before.

If your life insurance application has been declined in the past, we can help you get coverage. One of the worst mistakes that you can make is to avoid getting life insurance because of your condition.

Working with an independent agency like Funeral Funds that works with high-risk life insurance on a regular basis will always get you approved for the best coverage and rates.

Funeral Funds specializes in helping heart bypass patients or those that fall under the high-risk category. We know what companies offer the best plan and the best rates.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit is required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE WITH HEART BYPASS SURGERY

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with heart bypass surgery
  • Cremation insurance plan with heart bypass surgery
  • Funeral home insurance plan with heart bypass surgery
  • Final Expense insurance plan with heart bypass surgery
  • Prepaid funeral plan insurance with heart bypass surgery
  • Mortgage payment protection plan with heart bypass surgery
  • Mortgage payoff life insurance plan with heart bypass surgery
  • Deceased spouse’s income replacement plan with heart bypass surgery
  • Legacy insurance gift plan to family or loved ones with heart bypass surgery
  • Medical or doctor bill life insurance plan with heart bypass surgery

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy with a heart bypass surgery needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies anymore because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for heart bypass surgery funeral insurance, heart bypass surgery burial insurance, or heart bypass surgery life insurance, we can help.

Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Heart Bypass Surgery Infographic

ADDITIONAL QUESTIONS & ANSWERS ON BURIAL INSURANCE WITH HEART BYPASS SURGERY

What does life insurance consider heart bypass surgery?

Heart bypass surgery also called coronary artery bypass graft (CABG) surgery, is considered a serious medical condition by life insurance companies. CABG surgery is typically used to treat coronary heart disease, which occurs when the arteries that supply blood to the heart become blocked or narrowed. While CABG surgery can be an effective treatment for coronary heart disease, it is also a major surgery with a number of risks and complications. As a result, life insurance companies typically view applicants who have undergone CABG surgery as higher risk than those who have not.


Can I get life insurance after heart bypass surgery?

It is possible to get life insurance after heart bypass surgery. In fact, most life insurance companies will offer you a first-day coverage plan if your bypass surgery has been two years or longer.


What is a pre-existing heart condition?

A pre-existing heart condition is any condition that exists before you apply for life insurance. For life insurance purposes, a pre-existing heart condition includes any previous diagnosis of heart disease, as well as any treatment you have received, such as surgery, angioplasty, or stenting. A pre-existing heart condition will usually result in a higher premium, or in some cases, a denial of coverage.


Can you get life insurance if you have a pre-existing heart condition?

Yes, you can get life insurance if you have a pre-existing heart condition. In fact, most life insurance companies will offer you a first-day coverage plan if your bypass surgery has been two years or longer.


Can a person with a heart condition get life insurance?

Yes, a person with a heart condition can get life insurance.


Do I need to tell insurance about heart bypass surgery?

Yes, you will need to tell your life insurance company about your bypass surgery. Failure to disclose this information could result in your policy being declared void.


How long does bypass surgery affect life insurance?

The effects of bypass surgery on life insurance will vary from company to company. However, most life insurance companies will offer you a first-day coverage plan if your bypass surgery has been two years or longer.


Can a person with heart bypass surgery get burial insurance?

Yes, a person with heart bypass surgery can get burial insurance. In fact, you will qualify for a first-day coverage plan if your bypass surgery has been two years or longer.


Does heart bypass surgery affect life insurance?

Yes, heart bypass surgery does affect life insurance eligibility and rates.


Do I need to take a medical exam if I have heart bypass surgery?

No, you will not need to take a medical exam if you have heart bypass surgery.


Is there an age limit for burial insurance with heart bypass surgery?

Most life insurance companies accept applicants up to 85 years old.


Can you get first-day coverage insurance if you have heart bypass surgery?

Yes, you can get first-day coverage insurance if you have heart bypass surgery. In fact, most life insurance companies will offer you a first-day coverage plan if your bypass surgery has been two years or longer.


Can heart bypass surgery be considered a critical illness in life insurance?

No, heart bypass surgery is not typically considered a critical illness in life insurance.


Is heart bypass surgery considered a terminal illness?

No, heart bypass surgery is not considered a terminal illness.


What is the life expectancy after heart bypass surgery?

The life expectancy after heart bypass surgery is about 95%.


What are the things that may affect my eligibility if I have heart bypass surgery?

The things that may affect your eligibility if you have heart bypass surgery include the type of bypass surgery you had and the time that passed after the bypass surgery.


Is heart bypass surgery a disability?

No, heart bypass surgery is not a disability.


What are the benefits of having life insurance after heart bypass surgery?

The benefits of having life insurance after heart bypass surgery include the peace of mind knowing that you and your family are taken care of financially in the event of your death, as well as the potential to save money on your taxes.


What disability category is heart bypass surgery?

Heart bypass surgery is not a disability.


Can I qualify for cremation insurance with a history of heart bypass surgery?

Yes, you can qualify for cremation insurance with a history of heart bypass surgery.


How do you get life insurance after heart bypass surgery?

You can get life insurance after heart bypass surgery by applying for a policy with a life insurance company that offers first-day coverage plans.


Is heart bypass surgery fatal in life insurance?

Yes, heart bypass surgery is fatal in life insurance.


Can you be denied insurance for heart bypass surgery?

Yes, you can be denied insurance for heart bypass surgery if it is very recent.


Is there a waiting period for life insurance with heart bypass surgery?

Yes, there is usually a waiting period of two years before a life insurance company offers a first-day coverage plan.


Can heart bypass surgery affect your life insurance rates?

Yes, heart bypass surgery can affect your life insurance rates and your eligibility.


Can heart bypass surgery medication affect my premium?

Yes, heart bypass surgery medication can affect your premium.


What are the premiums for burial insurance with heart bypass surgery?

The premiums for burial insurance with heart bypass surgery will vary depending on the life insurance company you choose, your age, health, and other factors.


What is the average cost of life insurance for someone with heart bypass surgery?

The average cost of life insurance for someone with heart bypass surgery depends on their age, gender, coverage amount, location, and health.


Can heart bypass surgery patients get final expense insurance?

Yes, heart bypass surgery patients can get final expense insurance.


What is the best life insurance company for someone with heart bypass surgery?

The best life insurance company for someone with heart bypass surgery will vary depending on your individual needs and circumstances.


When should I get life insurance after heart bypass surgery?

You should get life insurance after heart bypass surgery as soon as possible.


How long does it take for life insurance to kick in after heart bypass surgery?

Most life insurance policies will kick in immediately after your application.


What is my best insurance option if I have heart bypass surgery?

Your best insurance option if you have heart bypass surgery will vary depending on your individual needs and circumstances.


What is the oldest age you can get life insurance with heart bypass surgery?

Most life insurance companies will accept applicants who are 18-85 years old.


Is heart bypass surgery covered by a critical illness rider?

Yes, heart bypass surgery may be covered by a critical illness rider with some companies.


Can heart bypass surgery affect life insurance?

Yes, heart bypass surgery can affect life insurance rates and eligibility. The time that passed since your bypass surgery will dictate what plan you will qualify for.


Can you be rejected for life insurance because of heart bypass surgery?

Yes, you can be rejected for life insurance because of a recent heart bypass surgery.


What will disqualify you from life insurance with heart bypass surgery?

A recent heart bypass surgery will disqualify you from qualifying for a first-day coverage life insurance plan.


What is the best insurance option for people with heart bypass surgery?

The best insurance option for people with heart bypass surgery will vary depending on their individual needs and circumstances.


How can you get the best life insurance rates with heart bypass surgery?

The best way to get the best life insurance rates with heart bypass surgery is to work with a qualified insurance agent from Funeral Funds who can help you find the best insurance policy with the lowest rates.


What are the best life insurance companies for heart bypass surgery?

The best life insurance companies for heart bypass surgery will vary depending on your individual needs and circumstances.


Does life insurance pay out for heart failure?

Yes, life insurance does pay out for heart failure if it results in death.


What are some tips for getting life insurance with heart bypass surgery?

Some tips for getting life insurance with heart bypass surgery include:

  • Work with a qualified insurance agent who specializes in life insurance for people with heart conditions and compare rates from multiple life insurance companies.
  • Choose a policy with the death benefit and coverage amount that meets your needs.
  • Read the policy carefully and make sure you understand the terms and conditions.

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